Reliance Home Finance Ltd

₹ 2.11 -4.95%

20 Apr - close price

reliancehomefinance.com BSE: 540709 NSE: RHFL

About

Incorporated in 2008, Reliance Home Finance Ltd is in housing finance business^[1]

Key Points

Business Overview:^[1]
Company is promoted by Reliance Capital Limited (RCL) which is a part of the ADAG (Anil Dhirubhai Ambani Group) and holds ** 47.91%** stake in the company. RHFL is registered as housing finance company with National Housing Bank without accepting public deposits and is engaged in mortgaged based lending operations

Website BSE NSE - BZ

Market Cap ₹ 102 Cr.
Current Price ₹ 2.11
High / Low ₹ 7.84 / 1.94
Stock P/E
Book Value ₹ -1.09
Dividend Yield 0.00 %
ROCE -432 %
ROE %
Face Value ₹ 10.0

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Pros

Company has reduced debt.

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -83.1% over past five years.
Promoter holding is low: 0.74%
Promoter holding has decreased over last 3 years: -48.8%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	15.88	93.63	72.27	140.77	75.50	0.12	0.16	0.16	0.18	0.18	0.02	0.02	0.00
	6,067.77	44.76	44.91	16.24	-9,059.62	-6.05	0.82	2.72	5.48	0.28	0.40	2.23	0.53
Operating Profit	-6,051.89	48.87	27.36	124.53	9,135.12	6.17	-0.66	-2.56	-5.30	-0.10	-0.38	-2.21	-0.53
OPM %	-38,110.14%	52.19%	37.86%	88.46%	12,099.50%	5,141.67%	-412.50%	-1,600.00%	-2,944.44%	-55.56%	-1,900.00%	-11,050.00%
	0.47	0.13	6.02	-0.05	-274.14	0.26	0.00	0.00	0.00	0.00	27.89	0.34	0.00
Interest	311.04	251.77	272.19	266.63	-759.27	0.00	0.00	0.00	1.45	0.34	0.29	0.11	0.16
Depreciation	210.49	0.51	0.49	21.25	0.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	-6,572.95	-203.28	-239.30	-163.40	9,619.77	6.43	-0.66	-2.56	-6.75	-0.44	27.22	-1.98	-0.69
Tax %	-31.20%	-31.20%	-31.20%	52.53%	37.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-3.54%	0.00%
	-4,522.19	-139.86	-164.64	-249.24	5,972.31	6.43	-0.66	-2.56	-6.75	-0.44	27.22	-1.92	-0.69
EPS in Rs	-93.23	-2.88	-3.39	-5.14	123.13	0.13	-0.01	-0.05	-0.14	-0.01	0.56	-0.04	-0.01
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	429	512	815	1,114	1,683	2,000	1,600	840	293	391	1	0
	86	90	142	235	373	575	829	1,920	6,802	-8,933	3	3
Operating Profit	342	423	673	879	1,311	1,425	771	-1,081	-6,509	9,324	-2	-3
OPM %	80%	82%	83%	79%	78%	71%	48%	-129%	-2,220%	2,384%	-381%	-1,464%
	1	0	0	15	0	2	2	0	0	-277	0	28
Interest	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32	1	1
Depreciation	0	0	1	7	2	3	4	3	212	2	0	0
Profit before tax	66	106	137	138	247	102	-567	-2,303	-7,906	9,014	-4	24
Tax %	34%	35%	37%	-25%	32%	34%	-34%	-34%	-31%	40%	0%	-0%
	43	69	87	173	167	67	-375	-1,520	-5,440	5,419	-4	24
EPS in Rs	6.59	10.49	13.18	14.90	3.45	1.39	-7.74	-31.33	-112.14	111.71	-0.07	0.50
Dividend Payout %	0%	0%	0%	3%	29%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	-54%
5 Years:	-83%
3 Years:	-91%
TTM:	-65%

Compounded Profit Growth
10 Years:	%
5 Years:	15%
3 Years:	26%
TTM:	-7%

Stock Price CAGR
10 Years:	%
5 Years:	-4%
3 Years:	-13%
1 Year:	-41%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Balance Sheet

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	66	66	66	116	485	485	485	485	485	485	485	485
Reserves	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559	-562	-538
	2,377	3,640	6,548	9,670	13,136	15,699	13,235	12,976	12,714	87	91	40
	904	1,385	525	547	447	585	1,027	1,975	2,922	22	16	14
Total Liabilities	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	2
	0	39	44	68	264	266	262	259	48	0	0	0
CWIP	0	0	0	0	2	0	1	0	0	0	0	0
Investments	320	0	80	508	54	93	951	1,007	161	0	0	0
	3,425	5,518	7,569	10,771	15,087	17,766	14,516	13,631	9,936	35	30	2
Total Assets	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	2

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103	-22	9
	-282	293	-72	-355	496	-55	-856	-1,560	848	-105	1	0
	0	0	0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035	4	-9
Net Cash Flow	130	114	362	-425	-194	47	-70	135	-116	-37	-17	0
Free Cash Flow	412	-219	433	-3,294	-3,508	-1,194	4,714	3,072	-598	4,145	-22	9
CFO/OP	122%	-37%	69%	-372%	-265%	-81%	614%	-284%	9%	44%	997%	-279%

Ratios

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	-491	-1,002	-705	-590	-138	-94	-253	-682	-3,301	-4	224	-23,675
ROCE %	13%	12%	12%	10%	10%	9%	5%	-8%	-67%	258%	-17%	-432%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Assets Under Management (AUM)
INR Crore

x,xxx	x,xxx	x,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	xx,xxx	x
			x.xx	x.xx	x.xx	xx.xx	xx.xx	xx.xx	x.xx
				x.xx	x.xx	xx.xx	xx.xx	xx.xx	x.xx
			xx	xx	xx	xx	xx		x
			xxx	xxx	xxx	xxx
				xx.xx			x.xx
				xx.xx	xx.xx
				xx.xx			x.xx
				xx.xx			x.xx
				xx.xx			x.xx

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Net NPA Percentage
%

Gross NPA Percentage
%

Number of Branches
Count

Number of Locations Coverage
Count

Affordable Housing AUM Mix
%

Average Portfolio Yield
%

Construction Finance AUM Mix
%

Home Loan AUM Mix
%

Loan Against Property (LAP) AUM Mix
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	48.78%	48.64%	48.64%	48.64%	43.61%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%	0.74%
	2.19%	2.19%	2.19%	2.19%	0.39%	0.39%	0.39%	0.39%	0.00%	0.00%	0.00%	0.00%
	1.56%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.54%	1.54%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	47.46%	47.60%	47.61%	47.60%	54.44%	97.30%	97.31%	97.32%	97.69%	97.69%	97.70%	97.70%
No. of Shareholders	8,52,814	8,60,494	8,54,262	8,52,451	8,54,351	8,82,115	9,04,907	9,50,122	9,60,349	9,60,349	10,06,312	10,06,312

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	74.99%	74.85%	49.58%	49.58%	49.58%	48.64%	0.74%	0.74%
	5.98%	5.66%	2.05%	2.04%	2.19%	2.19%	0.39%	0.00%
	5.44%	5.07%	3.42%	1.76%	1.56%	1.55%	1.55%	1.54%
	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%
	13.58%	14.41%	44.94%	46.61%	46.67%	47.60%	97.32%	97.70%
No. of Shareholders	8,92,038	8,51,147	8,36,341	8,35,236	8,53,215	8,52,451	9,50,122	10,06,312

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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